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NMLS: 1948608
Residential Mortgages
Residential Loans
The best terms at the best rates
Conventional mortgages, jumbo mortgages, government-insured, fixed-rate, adjustable-rate, and non-QM are just a few loan types that offer different terms and rates.
Palm Harbor Mortgage, Inc. takes the time to explain your mortgage options and matches the best loan type to your financial situation.
Conventional Loans
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Conventional loans are available for primary homes, secondary homes, and investment properties. Borrowing costs tend to be lower. However, they require money down and higher credit scores.
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today to learn more
FHA Loans
jstojak@palmharbormortgage.com
FHA Loans help borrowers qualify for loans for as little as 3.5% down, and first-time homebuyers may be eligible for additional assistance through other government-funded programs.
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today to learn more
VA Loans
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As part of the VA benefits program, government back loans are available with no money down and no private mortgage insurance requirements. Interest rate reduction and refinancing loan options are also available to our veterans. We thank you for your service and are here to help.
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today to start your loan application
Private Money
jstojak@palmharbormortgage.com
Also known as hard money loans, private money lenders offer secured loans where other institutions may deny a loan. This is a great option for foreign nationals, non-income based lending, non-QM, or other non-traditional situations where flexibility is a must.
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today to start your loan application
Other Residential loan options are available.
Contact us to learn more about all your residential loan types!
What you need to start your loan...
🧾 Current lease(s)
🧾 Mortgage statement
🧾 2 years tax returns
🧾 W-2s
🧾 Bank statements
🧾 Drivers license
🧾 Social security card
🧾 P&L statement
🧾 Employment history
🧾 Residence history
Jim Stojak
Start your application with our featured broker
Jim is available to answer any of your lending questions.
As an independent broker, Jim's only obligation is to his clients. He will always prepare your loan options with your best interests in mind.
Contact us
today to learn more about the loan application process.